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Q&A With Tonie Lowery

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Tonie Lowery
Mortgage Underwriter, Guaranteed Rate
Location: Frisco, TX United States
Joined: May 31st, 2023
About   (request update)
Education   (request update)
Southern University at Shreveport class of 2001
Undergrad Major: Biology
Experience
I currently work with Guaranteed Rate as Mortgage Underwriter
I have 22 years of experience working in the Insurance industry.
Jumbo Mortgage Underwriter | Guaranteed Rate
From October 2020 to September 2022 • 2 year(s)
 Manual underwriting analyzing compensating factors to mitigate investor risk and performed asset, credit, income, and collateral analysis for newly originated residential loans.
Sr. Mortgage Underwriter | Bank of America
From June 2015 to October 2020 • 5 year(s)
 Manual frontline underwriting of non-conforming portfolio loan products and analyzed asset financial statements, credit reports, and debt ratios.
Sr. Mortgage Underwriter | Platinum Mortgage
From March 2015 to June 2015 • 0 year(s)
 Assessed loan risk and rendered decisions, performed manual underwriting of conventional conforming, non-conforming, and jumbo loan products.
Sr. Mortgage Underwriter | TIAA Bank
From March 2013 to February 2015 • 2 year(s)
 Conducted loan quality audits identifying portfolio risks and maintained extensive knowledge of collateral and credit underwriting requirements.
Sr. Mortgage Underwriter | DR Horton
From January 2013 to April 2013 • 0 year(s)
 Implemented fraud detection techniques, performed compliance reviews, and manual frontline underwriting on new construction loans.
Mortgage Underwriter | Fifth Third Bank
From November 2012 to January 2013 • 1 year(s)
 Manual frontline underwriting of conforming, non-conforming, and portfolio loan products with self-employed income analysis.
Credit Quality Assurance Analyst | Bank of America Corporation
From July 2011 to November 2012 • 1 year(s)
 Evaluated residential loan modification documents for accuracy and performed file review audits to ensure quality of loan documentation.
Junior Short Sale Negotiator | UnitedTech Lender Services
From May 2011 to July 2011 • 0 year(s)
 Evaluated and negotiated terms for borrowers ineligible for alternative foreclosure programs and implemented loss mitigation solutions.
Sr. Mortgage Underwriter | JP Morgan Chase
From February 2005 to March 2011 • 6 year(s)
 Conducted loan quality audits, manual frontline underwriting, and mentored new employees while serving as SME to residential mortgage teams.
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Guestbook Comments
Bless you
Tagged by Ralph White on 11/10/2025  
A very warm welcome to you. It is lovely to have you among us. May you have a blessed, constructive and prosperous day. Stay strong.
Tagged by Ralph White on 07/14/2023  
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